Working with us to create your financial plan helps you identify your long and short term life goals. When you have a plan, it’s easier to make decisions that align with your goals. We outline 8 key areas of financial planning:

Income: learn to manage your income effectively through planning

Cash Flow: monitoring your cash flow, will help you keep more of your cash

Understanding: understanding provides you an effective way to make financial decisions that align with your goals

Family Security: having proper coverage will provide peace of mind for your family

Investment: proper planning guides you in choosing the investments that fit your goals

Assets: learn the true value of your assets. (Assets – Liabilities)

Savings: life happens, it’s important to have access to an emergency fund

Review: reviewing on a regular basis is important to make sure your plan continues to meet your goal

Working with us to create your financial plan helps you identify your long and short term life goals. When you have a plan, it’s easier to make decisions that align with your goals. We outline 8 key areas of financial planning:

Income: learn to manage your income effectively through planning

Cash Flow: monitoring your cash flow, will help you keep more of your cash

Understanding: understanding provides you an effective way to make financial decisions that align with your goals

Family Security: having proper coverage will provide peace of mind for your family

Investment: proper planning guides you in choosing the investments that fit your goals

Assets: learn the true value of your assets. (Assets – Liabilities)

Savings: life happens, it’s important to have access to an emergency fund

Review: reviewing on a regular basis is important to make sure your plan continues to meet your goal

The importance of a financial plan. Working with us to create your financial plan helps you identify your long and short term life goals. When you have a plan, it’s easer to make decisions that align with your goals. We outline 8 key areas of financial planning:

Income: learn to manage your income effectively through planning

Cash Flow: monitoring your cash flow, will help you keep more of your cash

Understanding: understanding provides you an effective way to make financial decisions that align with your goals

Family Security: having proper coverage will provide peace of mind for your family

Investment: proper planning guides you in choosing the investments that fit your goals

Assets: learn the true value of your assets. (Assets – Liabilities)

Savings: life happens, it’s important to have access to an emergency fund

Review: reviewing on a regular basis is important to make sure your plan continues to meet your goal

If you have a mortgage on your home, chances are good you also have mortgage insurance. The idea is that if you should become seriously ill or die before paying off the mortgage, the coverage will kick in and pay it off for you. It’s meant to offer peace of mind and to reassure you that your family will be able to stay in your home if anything should happen to you.

The reality falls a little short of that. In this week’s Marketplace investigation, we meet two families who bought the coverage and thought they were protected, only to have their claims denied when they became sick or died. In each case, the insurer said the applicant person had lied on their initial application form.

It turns out a routine test at the doctor could be reason to deny your claim, if you don’t mention it. Had a cuff inflated on your bicep? That counts as being tested for high blood pressure.

As Erica Johnson reports, the bank staffers selling mortgage insurance are unlicenced and rarely trained to explain the details and legalities of those insurance products. The result is people who pay premiums and think they are covered, only to realize later that they are not.

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About Us

Dave looks at all aspects of a client’s financial circumstances. This can range from debt reduction, disability, health and life insurance needs to specific goal planning, such as educational savings (RESPs), retirement planning and of course investment planning and asset allocation.